Fetch vs OVMA Pet Health: Pet Insurance Comparison (2026)
A side-by-side comparison of Fetch and OVMA Pet Health Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Fetch wins 4 to 3. That said, the right pick depends on your pet: Fetch is best for pet owners who want comprehensive coverage with exam fees included and flexible options, while OVMA Pet Health is best for owners who want a vet-designed plan with premiums that stay flat as their pet ages.
| Feature | Fetch 2.5/5 | OVMA Pet Health 3.5/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | None | 48 hours |
| Illness waiting period | 15 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $68 | $100 |
| Available in Quebec | No | Yes |
| Multi-pet discount | 5% | — |
| Customer rating | 2.5/5 | 3.5/5 |
Fetch
Pet owners who want comprehensive coverage with exam fees included and flexible options
Get Fetch QuoteOVMA Pet Health
Owners who want a vet-designed plan with premiums that stay flat as their pet ages
Get OVMA Pet Health QuoteFetch: Pros & Cons
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Choice of 70% or 90% reimbursement
- Fast claims processing (2 days)
- No upper age limit
- Not available in Quebec or New Brunswick
- 180-day waiting period for orthopedic conditions
- Not Canadian-owned
- Premiums can increase significantly with age
OVMA Pet Health: Pros & Cons
- Designed and backed by Ontario's veterinarians
- Premiums don't increase as your pet ages
- No maximum enrollment age
- Dental illness coverage included in all plans
- Alternative and behavioural therapies included ($350/category)
- Higher premiums than most competitors
- Deductible increases with pet's age ($100 to $500)
- Reimbursement can drop below 80% with heavy claims history
- Slow claims processing (2-3 weeks)
Fetch vs OVMA Pet Health: FAQ
Is Fetch or OVMA Pet Health better for pet insurance in Canada?
Fetch comes out ahead on more of our scored factors (4 vs 3), but the best choice depends on your pet. Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options. OVMA Pet Health is best for Owners who want a vet-designed plan with premiums that stay flat as their pet ages.
Which has a shorter waiting period, Fetch or OVMA Pet Health?
Fetch has a 15 days illness waiting period and none for accidents. OVMA Pet Health has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Fetch or OVMA Pet Health?
Average monthly premiums for a dog are about $68 with Fetch and $100 with OVMA Pet Health. Your actual price depends on your pet's age, breed, and location.
Are Fetch and OVMA Pet Health available in Quebec?
Fetch is not available in Quebec. OVMA Pet Health is available in Quebec.
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